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Asian Journal of Research in Banking and Finance
Year : 2011, Volume : 1, Issue : 1
First page : ( 33) Last page : ( 50)
Online ISSN : 2249–7323.

Efficacy of commercial banks in India-an analysis

Ibrahim M. Syed, Assistant Professor of Commerce

Govt. Arts College (Autonomous), Salem, Tamil Nadu, South India-630007.

Online published on 1 November, 2011.


The banking system is a vital part and decides the progress of the nation's economy. Banks play an important role in the mobilization and allocation of resources in an economy. The sound financial position of a bank is the guarantee not only to its depositors but equally important for the whole economy of the nation. Several committees have emphasized the need to improve the performance of the commercial banks. In India, the priorities in banking operations underwent far reaching changes since the banking sector reforms have been set in motion. In this paper, an effort has been made to evaluate the efficacy of the commercial banks in India with especial reference to the public sector, private sector and the foreign bank. The study is diagnostic and exploratory in nature and makes use of secondary data. The study finds and concludes that the above mentioned banks have significantly improved their efficiency and profitability.



Return on Assets, Return on Advances, Cost of Funds, Return on Investments, Capital Adequacy Ratio, Reserve Bank of India.


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